SIP Calculator — Mutual Fund SIP Returns
Free SIP calculator — estimate the future value of monthly mutual-fund SIP investments, total invested amount and wealth gained.
How SIP returns are estimated
A Systematic Investment Plan compounds each monthly contribution:FV = A × ((1+i)ⁿ − 1) / i × (1+i), where A is the monthly amount, i the monthly rate and n total months. Actual mutual-fund returns vary with the market — the expected-return input is an assumption, not a guarantee.
- Long durations do the heavy lifting — compounding accelerates after year 7–8.
- Step-up SIPs (increasing yearly) can significantly beat flat SIPs.
Frequently asked questions
Are SIP returns guaranteed?
No. Mutual-fund returns depend on the market — the expected-return input here is an assumption for planning, not a promise. Equity funds have historically delivered around 10–14% p.a. over long periods, but past performance doesn't guarantee future results.
What return should I assume for an equity SIP?
Planners commonly model 10–12% p.a. for diversified equity funds over 7+ year horizons, and 6–8% for debt funds. Try a couple of scenarios rather than a single number.
Does this calculator handle step-up SIPs?
This version models a fixed monthly amount. For a step-up SIP (increasing your contribution yearly), run the calculation per phase — or take the fixed-SIP result as a conservative floor.
Is this SIP calculator free?
Yes — free, no sign-up, and everything is computed locally in your browser.